Isn't Terrorism A War Risk?

Following my Sept. 28 post, "TRIA Renewal A No-Brainer," I drew a rebuke from one reader who challenged my use of quote marks around the "war" on terrorism. I meant no offense, but sought only to point out the hypocrisy of the Bush White House, which wants to have it both ways on the matter. If this is truly a "war" on terrorism, then the WTC destruction should not have been covered by policies containing standard acts of war exclusions--except for workers' comp--right? And wouldn't the debate over TRIA be moot, since all such future losses would be excluded? What do you folks think about that?